| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, IL 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 255387 SACRAMENTO, CA 95865 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 10.25% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $305 | $0 | $305 | 0.18% |
| SCOTT ALLEN BEER AND OTHER AGENTS3 Filed as: SCOTT ALLEN BEER AND ET AL | 8385 NORTH RAISINA AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44K | $3K | $47K | 47.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, IL 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 12.54% |
| USIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.98% |
| MARGARITA ALEJANDRA RAMIREZ3 Filed as: MARGARITA ALEJANDRO RAMIERZ | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 4.71% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 2.80% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.03% |
| PAMELA KAY LONG3 | 200 SOUTH LEXINGTON DRIVE FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 0.02% |
| AYMEE DIANE COUSINEAU3 Filed as: AYMEE D. COUSINEAU AND OTEHR AGENTS | 1544 SOUTH PEPPERTREE COURT VISALIA, CA 93277 | AFLAC | $2K | $0 | $2K | 5.81% |
| TAMARA HARVELL3 | 2430 NORTH SILVERVALE COURT VISALIA, CA 93291 | AFLAC | $2K | $0 | $2K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $2K | $0 | $2K | 4.59% |
| MAGPIE CATTLE CO3 Filed as: MAGPIE CATTLE COMPANY | 869 DEST DARTMOUTH DRIVE FRESNO, CA 93730 | AFLAC | $848 | $0 | $848 | 2.21% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVCIES INC. | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $706 | $0 | $706 | 1.84% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 430 WEST CALDWELL AVENUE, SUITE C VISALIA, CA 93277 | AFLAC | $624 | $0 | $624 | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES INC. | 500 NORTH SANTA FE STREET VISALIA, CA 93292 | AFLAC | $530 | $0 | $530 | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, IL 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | $0 | $451 | 20.00% |
| TAMARA HARVELL3 | 3130 WEST MAIN STREET, SUITE E VISALIA, CA 93291 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | $0 | $256 | 11.35% |
| MAGPIE CATTLE CO3 Filed as: MAGPIE CATTLE COMPANY | 1285 WEST SHAW, SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 6.61% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVCIES INC. | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 5.14% |
| LISETT CHIRINOS3 | 701 SOUTH 5TH AVENUE AVENAL, CA 93204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 2.75% |
| FRANCILLE E HERR3 Filed as: FRANCILLE G. HERR | 3130 WEST MAIN STREET, SUITE D VISALIA, CA 93291 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 2.13% |
| MICHELE D. HAWKINS AND OTHER AGENTS3 | 8526 NORTH MERIDIAN AVENUE FRESNO, CA 93720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 2.04% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $172K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $172K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $271K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $172K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $1.2M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.